Loan Rates

It pays to compare! Allow us an opportunity to discuss your borrowing options before financing elsewhere. We may be able to save you hundreds of dollars over the life of your loan. Choose the rates you are looking for below.

 Cars & Trucks

Annual Percentage Rate Model Year
3.24%-14.74% APR 2013 or Newer
3.74%-13.99% APR 2012 or Older

Credit Cards1

Card Type Annual Percentage Rate Features
GoodWorks Rewards 11.25%-20.25% APR 0% intro APR for 6 months. No annual fee. Earn introductory rewards for 3 months. 
Passage Rewards 12.25%-21.25% APR 0% intro APR for 6 months. No annual fee. No foreign transaction fee. Earn introductory rewards for 3 months.
GoodWorks 10.25%-19.25% APR 0% intro APR for 6 months. No annual fee.  
Passage 11.25%-20.25% APR 0% intro APR for 6 months. No annual fee. No foreign transaction fee.

First Mortgage

Annual Percentage Rate Explanation
Changes daily.                     Click here for rates and more information.                                                

Home Equity Loan 

Annual Percentage Rate Explanation
4.25% - 6.25% APR            Based on LTV (Loan to Value), credit qualifications and term.                     

Home Equity Line of Credit

Annual Percentage Rate Explanation
5.50% - 6.50% APR                 Based on LTV (Loan to Value), variable rate which changes quarterly and credit qualifications.

Motorcycles

Annual Percentage Rate Model Year
3.74% - 14.24% APR 2013 or Newer
4.24% - 14.49% APR 2012 or Older

Overdraft Line of Credit

Annual Percentage Rate Explanation
14.00%-18.00% APR                 Rates and terms are based on credit qualifications.

Personal Loans

Annual Percentage Rate   Explanation
8.50%-18.00% APR  Rates and terms are based on credit qualifications.

Premier Lines of Credit

Type Annual Percentage Rate Explanation
Premier Line of Credit   7.50% APR Based on WSJ Prime, which may change monthly, up to $30,000 line of credit.
Premier Line of Credit II 8.00% APR Based on WSJ Prime, which may change monthly, up to $20,000 line of credit.

Recreational Vehicles

Annual Percentage Rate Model Year
5.74% - 16.74% APR 2016 or Newer
6.24% - 17.24% APR 2015 or Older

Share Secured

Annual Percentage Rate        Term
4.25% APR 4% above highest share dividend at time of approval, rounded up to the nearest .25%

Certificate Secured

Annual Percentage Rate           Term
4.00-%-5.00% APR 3% above certificate rate at time of approval, rounded up to the nearest .25%

Business

Annual Percentage Rate Explanation
Varies by type.                    Please contact Entrust at (804) 353-8012 or loans@entrustfcu.org.            

Private Student Loans

Annual Percentage Rate Explanation
Varies by type.                    Click here for rates and more information.                                                

APR=Annual Percentage Rate. Rates effective as of 12/20/2018. Rates and terms are based on individual credit qualifications. Not all borrowers will qualify for the lowest rate. Rates are subject to change. Membership eligibility required. 

 1Quoted rate is an introductory rate. Introductory rate will end after 6 months and rate may range from 10.50% APR to 20.50% based on credit worthiness. Foreign transaction fee of 1%, cash advance and balance transfer fee of 2% applies for GoodWorks and GoodWorks Rewards Credit Card. Cash advance and balance transfer fee of 2% applies for Passage and Passage Rewards Credit Card. Rewards Intro: Spend $1,000, earn 3,000 points AND Spend $1, earn 2 points. After Intro: Spend $1, earn 1 point AND Give $1 to a charity, earn 2 points. Learn more about Rewards here. Rates effective as of 7/14/18.